We purchase car insurance coverage not only to ensure we are in compliance with our state’s laws, but also to protect us in the event of an accident, whether we caused it or not. Car insurance will not only cover you for an accident you caused, but your coverage also extends to the other drivers that were involved in the collision as well. Typically, when a claim is filed with your insurer, the company will reach out to you for more information regarding the loss and it may even collect a statement from you.

Accident attorneys do advise that you be cautious with what you say to your insurer prior to consulting with a legal expert first.

While your car insurance company will typically pay for your claim, even when you were at fault for causing the wreck, you need to keep in mind that it can only provide you with the type of coverage you purchased. For example, the State of California only requires its drivers to purchase liability coverage with the following limits:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

Liability insurance “compensates a person other than the policyholder for personal injury or property damage.” Therefore, if you were a driver in California, you would need to have purchased collision insurance in addition to liability coverage in order for your insurer to cover your losses. Given that you did purchase collision coverage, then your insurer should cover your damage up to the limits you have set. Most insurers will generally pay you either the amount necessary to repair your vehicle or the actual cash value (ACV) of the vehicle, whichever is lesser. And again, the company will only pay you what the adjuster estimates your damage to be worth and up to the limits you purchased.

In terms of medical care, most states do not require drivers to purchase coverage for this so, in order for your medical bills to be paid for, you need to be sure you purchased coverage that allows you to receive these benefits. The best way to tell what your insurer will and will not cover after an accident you caused is to read through your policy carefully. You will also want to look for exclusions and limitations to see what is listed there. Generally, insurers will not cover certain types of enhancements that were made to the vehicle, that is, unless you purchased additional coverage for these improvements.

Important: If you purchased an auto insurance policy with a deductible, you will need to satisfy this before your insurer will provide you with coverage.  

Under what circumstances might my car insurance not cover an accident I caused?

Will my insurance pay if I'm at fault in an accident?

Although car insurance companies are supposed to provide their insured with coverage, some carriers deny claims out of bad faith or significantly under compensate their policyholder. If you are experiencing either of the two issues, contact an accident lawyer in your area now.

If you do not have adequate coverage or fail to satisfy your deductible, this could be one of many reasons why your insurer might deny your accident claim. When an insurer denies an at-fault driver’s claim, even when they have sufficient coverage, they should contact an accident lawyer in their city for legal advice. Now, finding a dependable accident attorney nearby to you who is going to give your case the attention it deserves isn’t always easy to do which is why USAttorneys.com is here to help. You can contact USAttorneys directly to receive assistance with locating a lawyer in your area or fill out the free case evaluation form by clicking here if your insurer has denied your accident claim.